:root {
  --ink: #10233f;
  --muted: #61718b;
  --brand: #164b8f;
  --brand-2: #1c7c54;
  --accent: #f6b83f;
  --paper: #ffffff;
  --soft: #f5f8fc;
  --soft-2: #eef7f2;
  --line: #dbe5f1;
  --danger: #b93838;
  --shadow: 0 20px 60px rgba(16, 35, 63, .12);
  --radius: 22px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
a:hover { color: var(--brand); }
img, svg { max-width: 100%; display: block; }
button, input, select, textarea { font: inherit; }
.container { width: min(1180px, calc(100% - 36px)); margin: 0 auto; }

.topbar {
  background: #0d233f;
  color: rgba(255,255,255,.9);
  font-size: .9rem;
}
.topbar-inner { display: flex; align-items: center; justify-content: space-between; min-height: 42px; gap: 16px; }
.topbar a { color: #fff; font-weight: 700; }
.topbar-links { display: flex; gap: 18px; align-items: center; white-space: nowrap; }
.lang-pill { border: 1px solid rgba(255,255,255,.35); border-radius: 999px; padding: 3px 10px; }

.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
}
.nav { min-height: 78px; display: flex; align-items: center; justify-content: space-between; gap: 18px; }
.brand { display: flex; gap: 12px; align-items: center; min-width: 245px; }
.brand-logo { width: 54px; height: 54px; object-fit: contain; }
.brand strong { display: block; font-size: 1rem; letter-spacing: -.02em; }
.brand small { display: block; color: var(--muted); margin-top: 1px; font-weight: 700; font-size: .74rem; letter-spacing: .08em; text-transform: uppercase; }
.nav-links { display: flex; gap: 6px; align-items: center; }
.nav-links a { padding: 10px 12px; border-radius: 999px; font-weight: 800; color: #30415e; font-size: .93rem; }
.nav-links a:hover, .nav-links a.active { background: var(--soft); color: var(--brand); }
.nav-actions { display: flex; gap: 10px; align-items: center; }
.menu-toggle { display: none; border: 0; background: var(--soft); color: var(--ink); border-radius: 12px; padding: 10px 12px; font-weight: 900; }

.button {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 13px 18px; border-radius: 999px; border: 1px solid transparent;
  font-weight: 900; cursor: pointer; transition: transform .2s ease, box-shadow .2s ease, background .2s ease;
  min-height: 48px;
}
.button:hover { transform: translateY(-1px); }
.button.primary { background: linear-gradient(135deg, var(--brand), #0f67bd); color: #fff; box-shadow: 0 12px 30px rgba(22, 75, 143, .25); }
.button.secondary { border-color: var(--line); background: #fff; color: var(--brand); }
.button.green { background: linear-gradient(135deg, var(--brand-2), #27a66f); color: #fff; box-shadow: 0 12px 30px rgba(28, 124, 84, .22); }
.button.light { background: #fff; color: var(--brand); }
.button.small { min-height: 38px; padding: 8px 14px; font-size: .9rem; }

.hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(circle at 8% 20%, rgba(28,124,84,.15), transparent 26%),
    radial-gradient(circle at 90% 8%, rgba(246,184,63,.25), transparent 26%),
    linear-gradient(180deg, #f8fbff 0%, #fff 100%);
  padding: 72px 0 52px;
}
.hero::after {
  content: ""; position: absolute; inset: auto -20% -45% -20%; height: 280px;
  background: linear-gradient(135deg, rgba(22,75,143,.08), rgba(28,124,84,.08));
  border-radius: 50% 50% 0 0;
}
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.05fr .95fr; gap: 46px; align-items: center; }
.eyebrow { display: inline-flex; align-items: center; gap: 8px; color: var(--brand-2); font-weight: 900; letter-spacing: .12em; text-transform: uppercase; font-size: .78rem; }
h1, h2, h3 { line-height: 1.08; margin: 0 0 14px; letter-spacing: -.04em; }
h1 { font-size: clamp(3rem, 6.2vw, 6rem); max-width: 820px; }
h2 { font-size: clamp(2rem, 3.6vw, 3.35rem); }
h3 { font-size: 1.22rem; }
p { margin: 0 0 18px; color: var(--muted); }
.hero-copy > p { font-size: 1.18rem; max-width: 690px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 28px 0 22px; }
.hero-bullets { display: grid; gap: 10px; margin: 20px 0 0; padding: 0; list-style: none; }
.hero-bullets li { display: flex; align-items: center; gap: 10px; font-weight: 800; color: #314562; }
.hero-bullets li::before { content: "✓"; width: 24px; height: 24px; display: inline-grid; place-items: center; border-radius: 50%; background: var(--soft-2); color: var(--brand-2); font-weight: 1000; }

.hero-panel { position: relative; }
.card, .panel, .hero-card, .info-card, .program-card, .review-card, .officer-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow);
}
.hero-card { padding: 22px; overflow: hidden; }
.hero-card-top { display: flex; justify-content: space-between; align-items: flex-start; gap: 15px; border-bottom: 1px solid var(--line); padding-bottom: 16px; margin-bottom: 16px; }
.rate-badge { background: #eaf6ef; color: var(--brand-2); border-radius: 999px; padding: 7px 11px; font-weight: 900; white-space: nowrap; }
.quick-calc label { display: grid; gap: 7px; margin: 0 0 12px; color: #42516b; font-weight: 800; font-size: .92rem; }
.quick-calc input, .quick-calc select, .lead-form input, .lead-form select, .lead-form textarea, .filter-bar input, .filter-bar select {
  width: 100%; border: 1px solid var(--line); border-radius: 14px; padding: 13px 14px; background: #fff; color: var(--ink); outline: none;
}
.quick-calc input:focus, .quick-calc select:focus, .lead-form input:focus, .lead-form select:focus, .lead-form textarea:focus, .filter-bar input:focus, .filter-bar select:focus { border-color: var(--brand); box-shadow: 0 0 0 4px rgba(22,75,143,.1); }
.calc-result { background: linear-gradient(135deg, #10233f, #164b8f); color: #fff; border-radius: 18px; padding: 18px; margin: 14px 0; }
.calc-result span { display: block; color: rgba(255,255,255,.75); font-weight: 800; font-size: .82rem; text-transform: uppercase; letter-spacing: .1em; }
.calc-result output { display: block; font-size: 2.25rem; font-weight: 1000; letter-spacing: -.04em; }
.calc-details { color: rgba(255,255,255,.78); font-size: .9rem; margin: 0; }
.fine-print { font-size: .78rem; color: #78859a; margin-bottom: 0; }

.section { padding: 82px 0; }
.section.soft { background: var(--soft); }
.section.green-soft { background: var(--soft-2); }
.section-head { display: flex; align-items: end; justify-content: space-between; gap: 28px; margin-bottom: 34px; }
.section-head .copy { max-width: 680px; }
.section-head.centered { display: block; text-align: center; max-width: 780px; margin-left: auto; margin-right: auto; }

.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.info-card { padding: 25px; box-shadow: none; }
.info-card .icon { width: 48px; height: 48px; display: grid; place-items: center; background: var(--soft); border-radius: 16px; margin-bottom: 15px; font-size: 1.35rem; }
.info-card p { margin-bottom: 0; }

.program-strip { display: grid; grid-template-columns: repeat(5, 1fr); gap: 14px; }
.program-card { position: relative; padding: 20px; overflow: hidden; box-shadow: none; min-height: 190px; transition: transform .2s ease, box-shadow .2s ease; }
.program-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.program-card::after { content: ""; position: absolute; right: -45px; bottom: -45px; width: 110px; height: 110px; border-radius: 50%; background: rgba(28,124,84,.09); }
.program-card strong { display: block; color: var(--brand); font-size: .85rem; text-transform: uppercase; letter-spacing: .09em; margin-bottom: 12px; }
.program-card ul { margin: 14px 0 0; padding: 0; list-style: none; display: grid; gap: 8px; color: var(--muted); font-size: .92rem; }
.program-card li { display: flex; gap: 8px; }
.program-card li::before { content: "•"; color: var(--brand-2); font-weight: 900; }

.steps-wrap { display: grid; grid-template-columns: .85fr 1.15fr; gap: 34px; align-items: start; }
.timeline { display: grid; gap: 14px; counter-reset: step; }
.step { display: grid; grid-template-columns: 52px 1fr; gap: 14px; background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 18px; }
.step-num { width: 52px; height: 52px; display: grid; place-items: center; border-radius: 16px; background: var(--brand); color: #fff; font-weight: 1000; }
.step h3 { margin-bottom: 5px; }
.step p { margin-bottom: 0; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; align-items: center; }
.social-tiles { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.social-tiles img { border-radius: 20px; border: 1px solid var(--line); background: #fff; }
.panel { padding: 28px; }
.stat-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 16px; }
.stat { background: var(--soft); border-radius: 16px; padding: 16px; }
.stat b { display: block; font-size: 1.6rem; color: var(--brand); letter-spacing: -.04em; }
.stat span { color: var(--muted); font-weight: 800; font-size: .83rem; }

.review-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.review-card { padding: 24px; box-shadow: none; }
.review-card blockquote { margin: 0 0 18px; color: #30415e; font-weight: 700; }
.review-card cite { font-style: normal; color: var(--muted); font-weight: 800; }

.cta-band { background: linear-gradient(135deg, var(--ink), var(--brand)); color: #fff; padding: 64px 0; }
.cta-band p, .cta-band .eyebrow { color: rgba(255,255,255,.78); }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.cta-inner h2 { max-width: 800px; }

.footer { background: #0b1d35; color: rgba(255,255,255,.85); padding: 58px 0 28px; }
.footer p, .footer a, .footer li { color: rgba(255,255,255,.78); }
.footer a:hover { color: #fff; }
.footer-grid { display: grid; grid-template-columns: 1.2fr .8fr .8fr .8fr; gap: 28px; }
.footer h3 { color: #fff; font-size: 1rem; letter-spacing: 0; }
.footer ul { padding: 0; margin: 0; list-style: none; display: grid; gap: 8px; }
.footer .brand small, .footer .brand strong { color: #fff; }
.compliance { border-top: 1px solid rgba(255,255,255,.14); margin-top: 36px; padding-top: 22px; font-size: .78rem; color: rgba(255,255,255,.65); }
.compliance p { color: rgba(255,255,255,.65); }

.page-hero { background: linear-gradient(135deg, #f8fbff, #eef7f2); padding: 64px 0; border-bottom: 1px solid var(--line); }
.page-hero h1 { font-size: clamp(2.4rem, 4.8vw, 4.9rem); }
.breadcrumbs { color: var(--muted); font-weight: 800; margin-bottom: 14px; }
.breadcrumbs a { color: var(--brand); }
.full-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.full-grid.three { grid-template-columns: repeat(3, 1fr); }
.loan-card { padding: 24px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
.loan-card h3 { color: var(--brand); }
.loan-card dl { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin: 18px 0; }
.loan-card dt { color: var(--muted); font-size: .82rem; font-weight: 900; text-transform: uppercase; letter-spacing: .07em; }
.loan-card dd { margin: 0; font-weight: 900; }

.calculator-page { display: grid; grid-template-columns: .9fr 1.1fr; gap: 28px; align-items: start; }
.big-output { padding: 26px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); }
.big-output .total { font-size: clamp(2.4rem, 5vw, 4.4rem); font-weight: 1000; color: var(--brand); line-height: 1; letter-spacing: -.05em; }
.breakdown { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; margin-top: 20px; }
.breakdown div { background: var(--soft); border-radius: 16px; padding: 14px; }
.breakdown span { display: block; color: var(--muted); font-size: .82rem; font-weight: 900; }
.breakdown b { font-size: 1.2rem; }
.chart { height: 210px; background: linear-gradient(180deg, #fff, #f5f8fc); border: 1px solid var(--line); border-radius: 18px; margin-top: 20px; position: relative; overflow: hidden; }
.chart svg { width: 100%; height: 100%; }

.lead-form { display: grid; gap: 16px; }
.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.lead-form label { display: grid; gap: 7px; font-weight: 900; color: #40516f; }
.lead-form textarea { min-height: 140px; resize: vertical; }
.consent { display: flex !important; grid-template-columns: auto 1fr; align-items: start; gap: 10px; font-weight: 700 !important; color: var(--muted) !important; }
.consent input { width: auto; margin-top: 6px; }
.form-status { font-weight: 900; color: var(--brand-2); margin-bottom: 0; }
.contact-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 22px; align-items: start; }
.contact-list { display: grid; gap: 14px; }
.contact-card { padding: 20px; border: 1px solid var(--line); border-radius: 18px; background: #fff; }
.contact-card b { display: block; color: var(--brand); }

.filter-bar { display: grid; grid-template-columns: 1fr .7fr .7fr auto; gap: 12px; margin: 0 0 22px; }
.officer-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.officer-card { padding: 20px; box-shadow: none; }
.avatar { width: 64px; height: 64px; display: grid; place-items: center; border-radius: 20px; background: linear-gradient(135deg, var(--brand), var(--brand-2)); color: #fff; font-weight: 1000; font-size: 1.4rem; margin-bottom: 14px; }
.badge-list { display: flex; flex-wrap: wrap; gap: 8px; margin: 14px 0; }
.badge { background: var(--soft); border: 1px solid var(--line); border-radius: 999px; padding: 5px 9px; font-size: .78rem; color: var(--muted); font-weight: 900; }

.floating-callback { position: fixed; right: 18px; bottom: 18px; z-index: 40; display: flex; gap: 12px; align-items: center; background: #fff; border: 1px solid var(--line); border-radius: 22px; box-shadow: var(--shadow); padding: 12px; max-width: 310px; }
.floating-callback .dot { width: 12px; height: 12px; background: #2bb36b; border-radius: 50%; box-shadow: 0 0 0 6px rgba(43,179,107,.15); }
.floating-callback b { display: block; }
.floating-callback span { color: var(--muted); font-size: .84rem; }

.legal-content { max-width: 850px; }
.legal-content h2 { font-size: 1.6rem; margin-top: 30px; }
.legal-content ul { color: var(--muted); }

@media (max-width: 1020px) {
  .hero-grid, .steps-wrap, .split, .calculator-page, .contact-grid { grid-template-columns: 1fr; }
  .program-strip { grid-template-columns: repeat(2, 1fr); }
  .why-grid, .review-grid, .footer-grid, .full-grid.three, .officer-grid { grid-template-columns: repeat(2, 1fr); }
  .nav-links, .nav-actions { display: none; }
  .menu-toggle { display: inline-flex; }
  .nav.open { flex-wrap: wrap; }
  .nav.open .nav-links, .nav.open .nav-actions { display: flex; width: 100%; justify-content: flex-start; flex-wrap: wrap; }
}
@media (max-width: 700px) {
  .topbar-inner { flex-direction: column; align-items: flex-start; padding: 10px 0; }
  .hero { padding-top: 44px; }
  .section { padding: 58px 0; }
  .section-head, .cta-inner { display: block; }
  .why-grid, .review-grid, .footer-grid, .full-grid, .full-grid.three, .program-strip, .form-grid, .breakdown, .officer-grid, .social-tiles, .stat-grid, .filter-bar { grid-template-columns: 1fr; }
  .brand { min-width: unset; }
  .brand strong { font-size: .88rem; }
  .brand-logo { width: 46px; height: 46px; }
  .floating-callback { display: none; }
  .topbar-links { flex-wrap: wrap; }
}